Surprisingly, the bank is in the top real estate lending, surpassing many 'big guys'

Explanation of the financial statements of the second quarter of 2025 of 29 commercial banks shows that only 14 banks announced details of outstanding loans by industry.

Of the 14 banks that announced detailed outstanding loans by sector, 12 banks recorded an increase in the proportion of real estate loans compared to December 31, 2024, while only 2 banks saw a decrease.

That is VPBank, with the real estate loan ratio as of June 30 being 24.81% of total outstanding loans, down 2.11% compared to the loan ratio at the end of 2024; LPBank with the real estate loan ratio accounting for only 2.77% of total outstanding loans, down 0.29% compared to the ratio at the end of 2024.

LPBank is also the bank with the lowest real estate lending ratio among the 14 banks that have published detailed outstanding loans by sector.

Notably, PVCombank continued to maintain its leading position, surpassing Techcombank for two consecutive years to become the bank with the highest real estate lending ratio among 14 banks, accounting for 36.1% of total outstanding loans, an increase of 5.1% compared to the real estate lending ratio at the end of 2024.

This is also the leading bank in the system in terms of lending ratio to this "sensitive" sector as of December 31, 2024, up to 31%.

Ranked second in terms of real estate lending ratio is Techcombank, up to 33.62% of total outstanding loans (this ratio at December 31, 2024 is 30.88%).

The remaining banks with real estate lending proportions among the 14 banks are:SHB 26.82%, VPBank 24.81%, Viet A Bank 19.91%, HDBank 16.98%, KienLong Bank 16.09%, MB Bank 10.3%, PGBank 10.11%, TPBank 9.89%, MSB 9.78%, Saigonbank 7.27%, VIB 2.85% and LPBank 2.77%.

System-wide credit in the first 7 months of the year increased by about 10% compared to the end of 2024 - a fairly high increase compared to 6% in the same period last year.

In particular, credit growth for real estate is generally higher than the general level in the first half of 2025.

At the regular Government meeting last July, Governor of the State Bank of Vietnam Nguyen Thi Hong acknowledged this. However, the head of the banking sector assessed that this increase was consistent with the direction of removing difficulties for the real estate market. When the project is cleared of legal obstacles, the need for capital for implementation is inevitable.

At the recent Investors Conference held by the Military Commercial Joint Stock Bank (MB), Mr. Luu Trung Thai, Chairman of the Board of Directors of MB Bank, expressed his views on MB's "taste" for the real estate sector.

“We are very cautious in lending to real estate, including commercial real estate, industrial real estate and consumer real estate. MB prioritizes lending to industrial real estate which has attracted many FDI enterprises. For commercial real estate, MB’s policy is to strictly control, with annual limits, ensuring risk control.”

According to financial reports of previous quarters, MB usually maintains the ratio of real estate loans around 8% of total outstanding loans.

As of June 30, MB's real estate lending ratio was 10.3% of total outstanding loans. This ratio slightly exceeds the bank's general principle of always controlling real estate loans to no more than 10% of total outstanding loans.

REAL ESTATE LOANS OF 14 BANKS AS OF JUNE 30, 2025
STT	BANK	LOAN (MILLION VND)	REAL ESTATE LOANS/TOTAL DEBT RATIO	INCREASE/DECREASE FROM 12/31/2024
1	TECHCOMBANK	227,450,082	33.62%	2.74%
2	VPBANK	186.003.124	24.81%	-2.11%
3	SHB	155,764,094	26.82%	1.78%
4	MB	85,534,227	10.30%	1.57%
5	HDBANK	83.125.168	16.98%	0.45%
6	PVCOMBANK	47,120,793	36.10%	5.10%
7	TPBANK	28,176,634	9.89%	1.35%
8	VIET A BANK	20,396,550	19.91%	1.51%
9	MSB	19,418,945	9.78%	0.12%
10	KIENLONG BANK	11,188,991	16.09%	1.26%
11	LPBANK	10,196,009	2.77%	-0.29%
12	VIB	10,159,799	2.85%	1.09%
13	PGBANK	4,593,325	10.11%	1.55%
14	SAIGONBANK	1,472,321	7.27%	2.12%